Rosen Harwood has extensive experience representing banks in commercial loans, commercial real estate loans and consumer lending transactions, utilizing the bank’s lending forms or the creation of unique loan documents tailored to the specific loan transaction. We also provide guidance and advice in regulatory compliance, mergers and acquisitions, problem loan analysis, workouts and restructuring.

Lending Transactions

Our attorneys perform due diligence and legal assistance in lending transactions in commercial, business, manufacturing, transportation, oil and gas, retail, real estate and wholesale industries. We can use the bank’s standard loan documents or can prepare specific loan documents tailored to the specific loan transaction. We provide escrow, title insurance and closing services for such transactions.

Banking Regulatory Matters

We advise and assist banks, bank holding companies, thrifts and credit unions with regulatory compliance and working with state and federal government oversight agencies.

Bank Mergers and Acquisitions

Our attorneys advise banks and bank holding companies in formation and chartering, mergers and acquisitions of financial institutions and all other activities relating to creation, acquisition or sale.

Consumer and Commercial Loan Analysis

We provide due diligence and analysis of loan portfolios or individual loans as needed to provide advice on restructuring problem loans and workouts. We assist clients with compliance audits by government regulatory agencies.

Secured Transactions and Commercial Law

We represent lenders in all aspects of commercial and secured loan transactions, including legal due diligence, title search, mortgage, deed of trust and UCC perfection of secured liens.